Cenco eNews
Helping Agents Succeed Since 1978
November 14, 2023

Transamerica Risk Class
Upgrade Program

Transamerica is offering qualified clients a one-time, upfront risk class upgrade on their new IUL policy. This limited time program will apply to Transamerica Financial Choice IUL (FCIUL) and their industry-leading Transamerica Financial Foundation IUL (FFIUL). Check out details…

Finish The Year Strong With Symetra’s
Carrier Match Program

Looking to close your year-end business with the best possible underwriting offers for your clients?  Submit your cases through the Carrier Match Program and Symetra will match formal or informal rate class offers from their group of eligible life insurance carriers through December 31, 2023!

Smart Moves With QoL Flex Term - New Rates

Effective October 30, 2023, QoL Flex Term is repriced in all states where it is sold.  New rates are a mixture of decreases, increases and no changes.  Approximately 27% of cells have lower premiums with an average rate reduction of 1.4%.  Overall, the rates trend lower and decreases can be seen across all key bands.  Check out the bulletin…

Assurity’s New Product. New Opportunities

New individual Assurity Accident Insurance is guaranteed issue – simple for your clients to get and for you to sell. Help more clients with rising deductibles and health care costs.  Get all the details in the highlight sheet…
Check Out the Cenco Website At And Submit Your e-Applications for Multiple Insurers.

Annuity Corner

Save Your Clients Money With Guarantees

CDs are popular for those wanting a safe, low-risk way to save money.  A posted 10/22 Bankrate average for a 3-year CD was .98% and is income taxable.  A 3-year Multi-Year Guaranteed Annuity (MYGA) offers 4.7% and is not currently taxable. Which one would be better for your client?

Help strengthen your client’s relationship with you. Check the rates below and contact Cenco for the most current rates for any available time periods. Your clients will be glad you did, and so will you.

Don’t miss the chance to solidify your client relationships with the best MYGA rates including
some recently updated California rates:
  • A Top 2-year rate – 5.55%
  • A Top 3-year rate – 5.50%
  • A Top 4-year rate – 5.55%
  • A Top 5-year rate – 5.50%
  • A Top 6-year rate – 5.75%
For more information and carrier details contact your Cenco support team.

DI Did You Know

DI – A Big Opportunity For Advisors

According to the Life Insurance Marketing and Research Association (LIMRA) 52% of Americans own life insurance but ONLY 14% (down from 31% in 2012) own disability insurance.

This creates an amazing opportunity for Advisors!  DI is most likely undersold because clients don’t know much about it.  However, once a client realizes that life insurance pays benefits to beneficiaries while DI pays benefits directly to the client, DI should be an easy sale.

Carrier Incentives

Travel the World With Cenco!

Cenco's Agent Website
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Contact the CENCO TEAM:
Cathy MartinBrianna Solano, and Shelli Welch, CA license #0C78343

Cenco Insurance Marketing Corporation, CA license #0561429
1501 El Camino Ave, Suite 1
Sacramento, CA 95815

Phone: (916) 920-5251
Toll Free: (800) 45-CENCO
Fax: (916) 920 8734

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